The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$200,407
−HK$12,567/mo
▼ 0.25% · 3.875%
HK$206,640
−HK$6,334/mo
Today · 4.125%
HK$212,974
baseline
▲ 0.50% · 4.625%
HK$225,933
+HK$12,959/mo
Deposit HK$43.94M · loan HK$43.94M · min. income ≈ HK$425,948/mo (50% DSR)
Upfront cash ≈ HK$47.68M (deposit + AVD stamp duty HK$3,735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,950
−HK$12,046/mo
▼ 0.25% · 3.875%
HK$228,930
−HK$6,066/mo
Today · 4.125%
HK$234,996
baseline
▲ 0.50% · 4.625%
HK$247,382
+HK$12,386/mo
Deposit HK$43.94M · loan HK$43.94M · min. income ≈ HK$469,992/mo (50% DSR)
Upfront cash ≈ HK$47.68M (deposit + AVD stamp duty HK$3,735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,488
−HK$15,081/mo
▼ 0.25% · 3.875%
HK$247,968
−HK$7,601/mo
Today · 4.125%
HK$255,569
baseline
▲ 0.50% · 4.625%
HK$271,119
+HK$15,550/mo
Deposit HK$35.16M · loan HK$52.73M · min. income ≈ HK$511,138/mo (50% DSR)
Upfront cash ≈ HK$38.89M (deposit + AVD stamp duty HK$3,735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$267,540
−HK$14,455/mo
▼ 0.25% · 3.875%
HK$274,716
−HK$7,279/mo
Today · 4.125%
HK$281,995
baseline
▲ 0.50% · 4.625%
HK$296,859
+HK$14,864/mo
Deposit HK$35.16M · loan HK$52.73M · min. income ≈ HK$563,990/mo (50% DSR)
Upfront cash ≈ HK$38.89M (deposit + AVD stamp duty HK$3,735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$280,569
−HK$17,594/mo
▼ 0.25% · 3.875%
HK$289,296
−HK$8,867/mo
Today · 4.125%
HK$298,163
baseline
▲ 0.50% · 4.625%
HK$316,306
+HK$18,143/mo
Deposit HK$26.37M · loan HK$61.52M · min. income ≈ HK$596,326/mo (50% DSR)
Upfront cash ≈ HK$30.10M (deposit + AVD stamp duty HK$3,735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$312,130
−HK$16,864/mo
▼ 0.25% · 3.875%
HK$320,501
−HK$8,493/mo
Today · 4.125%
HK$328,994
baseline
▲ 0.50% · 4.625%
HK$346,335
+HK$17,341/mo
Deposit HK$26.37M · loan HK$61.52M · min. income ≈ HK$657,988/mo (50% DSR)
Upfront cash ≈ HK$30.10M (deposit + AVD stamp duty HK$3,735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$360,732
−HK$22,621/mo
▼ 0.25% · 3.875%
HK$371,953
−HK$11,400/mo
Today · 4.125%
HK$383,353
baseline
▲ 0.50% · 4.625%
HK$406,679
+HK$23,326/mo
Deposit HK$8.79M · loan HK$79.10M · min. income ≈ HK$766,706/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$3,735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$401,310
−HK$21,682/mo
▼ 0.25% · 3.875%
HK$412,073
−HK$10,919/mo
Today · 4.125%
HK$422,992
baseline
▲ 0.50% · 4.625%
HK$445,288
+HK$22,296/mo
Deposit HK$8.79M · loan HK$79.10M · min. income ≈ HK$845,984/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$3,735,228 · Scale 2, in force from 26 Feb 2026)